Liberty Mutual
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Customer Service: 1-888-398-8924
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*Additional charges apply if your policy does not include the Towing and Labor coverage.

Comprehensive Coverage

What is comprehensive insurance coverage?

When your vehicle is damaged as the result of an incident other than a collision, comprehensive insurance is an optional coverage that will pay the cost, minus your deductible, of repairing or replacing it. For example, you're covered if your vehicle sustains damage from a storm, a flood, a fire, vandalism, or theft. If you lease or finance your vehicle, you may be required to purchase comprehensive insurance coverage.

The Benefits of Comprehensive Insurance Coverage:

  • Avoid paying out-of-pocket for repairs or for a replacement vehicle after you've paid your deductible.
  • Compensation for your loss when your damaged vehicle is deemed to be totaled.
Choosing Your Comprehensive Insurance Deductible
Your comprehensive deductible is the amount of money you will pay out-of-pocket in the event of damage to your car not caused by a collision. When considering the purchase of comprehensive coverage or choosing the amount of your deductible, evaluate the age of your vehicle, how much you think repairs might cost you, and how comfortable you would be paying for repairs below your deductible amount. For instance, if a tree falls on your car and you have a $500 deductible, you would pay $500 and Liberty Mutual would cover the remaining repair costs above that amount. A higher collision deductible means that you will cover more of the cost of repairs when they arise, which in turn lowers your monthly premium.

Comprehensive vs. Collision Coverage
Comprehensive insurance is an optional coverage that will pay for the cost of repairs up to a total loss, in which case Liberty Mutual will give you the cash value of the vehicle. While there are similarities between collision coverage and comprehensive coverage, here are the details of both:
Coverage FeatureCollision CoverageComprehensive Coverage
Optional coverage added to auto insurance policy
May be required if vehicle is leased or financed
Deductible applies in the case of a claim
Covers losses caused by a collision
Covers losses caused by damage other than a collision
Experience the benefits of comprehensive coverage within your auto insurance policy by starting an online quote.